RetireMax Insurance Blog

All You Ever Wanted to Know About Insurance

How to Avoid Animal-Vehicle Collisions

Posted on Monday, January 11, 2016

Share This

About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S. Department of Agriculture.

And, these collisions spike in the fall and winter, thanks to migration and mating patterns, as well as reduced visibility caused by shorter days and weather conditions.

As random as these collisions might seem, there are things you can do to improve your chances of avoiding one.

Tips to Help You Avoid Wildlife on the Road

Keep these tips in mind when you’re behind the wheel:

Be especially careful at dusk and dawn: Not only are these active times for large animals to be out and about, but visibility is decreased as well. And, remember, animal vision is very different from ours. While deer see well in low-light situations, headlights can completely blind them.

Watch for signs, too: Areas with a lot of wildlife, or where frequent incidents have occurred, often have posted warning signs. Don’t disregard them. Watch your speed and be hyper-alert.

Expect more than one: Did you just see a deer? Don’t relax quite yet, even though you didn’t hit it — there likely are more in the area.

Stay calm: If an animal is in the roadway, try not to swerve wildly. You could hit something else, such as another car, or end up in a more dangerous situation than you were before. Hit the brakes and the horn, and make safe maneuvers whenever possible.

What to Do After an Animal-Vehicle Collision

Even if you drive with the utmost caution and follow the tips above, an animal-vehicle collision may still happen. Follow these guidelines if you ever do hit an animal:

Call 911 immediately: If there are any injuries to you or your passengers, call for aid as soon as possible. But, even if everyone is OK, police can help deal with traffic issues and removing the animal.

Do not touch the animal: Even a harmless-looking deer can cause significant injury, especially if it is frightened. And, if you hit something even more dangerous, such as a bear (it happens!), stay in the car. Often, they can withstand being hit by a vehicle.

Document the damage: Once any injuries are treated, take photos of the accident scene and vehicle damage, if it’s safe to do so, and write down details. Get information from witnesses and file a police report, if necessary. This will help when it comes time to file an insurance claim.

Talk to your insurance company: Animal-related claims are typically covered under comprehensive coverage. Your insurance agent or carrier can help you determine your options after an accident, but it’s a great idea to learn more about your coverage before you need to use it.